DENISE MCCURDY
PROVIDENCE FORGE,VA
Summary
Accomplished mortgage professional with over 26 years of extensive experience in underwriting, processing, and quality assurance auditing. Expertise in residential underwriting and compliance with conventional guidelines, including FNMA, FHLMC, FHA, VA, and non-QM, with a strong focus on risk assessment and informed decision-making. Recognized for exceptional organizational abilities and effective communication skills, consistently delivering superior customer service in high-pressure situations. Committed to upholding regulatory standards and enhancing operational efficiency within the mortgage industry.
Overview
26
26
years of professional experience
1
1
Certification
Work History
Mortgage Processor
Hancock Processing
REMOTE
08.2025 - Current
- Processed mortgage applications, ensuring compliance with regulatory guidelines and internal policies.
- Reviewed financial documents for accuracy, identifying discrepancies and resolving issues promptly.
- Communicated with clients, lenders, and real estate agents to gather required information efficiently.
- Maintained detailed records of application status and documentation in processing software systems.
- Collaborated closely with underwriters to expedite loan approvals, resulting in increased productivity.
- Reduced loan application processing time by diligently reviewing and verifying applicant information.
- Monitored loan pipeline to ensure timely completion of tasks and adherence to deadlines.
- Organized, detail-driven and able to manage a busy pipeline.
- Familiar with LOS platforms, ARIVE - Keep files compliant, organized, and fully updated in the Arive LOS.
- Familiar with Conventional, FHA, VA and Non QM programs.
- Submit to underwriting and follow up aggressively to clear conditions
SELF-EMPLOYED MORTGAGE PROCESSOR
Self Employed Services
REMOTE, Indiana
06.2022 - Current
- Solicit and accept new loans from brokers and processing the loans from beginning to end.
- Evaluate creditworthiness by processing loan applications and documentation within defined parameters.
- Opening escrow, disclosing fees, ordering appraisal, title, VOD, WVOE and all required documents needed to submit the loan files to underwriting.
- Work on conditions after preliminary approval is granted.
- Recalculating income, if warranted, to ensure the loan DTI is within program guidelines.
- Maintain constant communication with the borrower, broker, and all parties involved to ensure a great customer experience.
- Review loan files daily to identify missing documents and expedite processing.
- Communicate effectively with clients to request and provide necessary information.
- Exercise professional judgment to assess risk and ensure responsible lending practices.
- Maintain compliance with regulatory requirements and adherence to lending guidelines.
- Worked in various LOS (Loan Operating Systems) specific to the lender.
QC AUDITOR III
United Shore Financial Services
REMOTE, Indiana
01.2013 - 02.2025
- Identify issues during a post close audit and work with borrowers and/or third parties to obtain supporting documentation to prevent a repurchase.
- Provided feedback on new audit programs and updating existing audit programs.
- Conducting and/or attending meetings and performing audit research.
- Reviewing post close loan files to ensure the various investors guidelines were adhered to during the loan process.
- Escalated valuation inconsistencies to the appraisal escalation team when needed.
- Attempted to remediate all defects by requesting additional information and/or re-running the AUS, when applicable, for any income, asset or valuation changes.
- Ensuring compliance with regulations, investor guidelines, and company policies and procedures; and identifying risks.
- Evaluating and assessing the quality of operations and systems for performance improvements.
- Obtaining knowledge of process procedures and being able to provide input on the development of new procedures.
- Documenting work performed and identifying potential fraud and/or any discrepancies that would lead to a repurchase.
- Communicate both verbally and in writing, audit findings and internal control weaknesses to senior leadership.
- Prepare written audit reports to identify investor deficiencies.
- Perform complex audits, repull and assess post close credit report(s) and Fraudguard.
- Assisting leadership with the review of audit work, as needed.
- Review denials to ensure the loans were denied for the appropriate reason(s).
- Review EPD (early payment default) loans to re-review loan components based off the reason for default to determine if underwriting missed any red flags during underwriting and attempt to remedy any issues identified.
- Re-review financial statements, tax returns, paystubs, W2’s, business tax returns, in addition to a borrower’s credit reports and assets to ensure all income, assets and credit guidelines were met adhering to confirming financial worthiness was confirmed.
- Review mortgage payoffs to ensure accuracy and compare amount paid to the final Closing Disclosing
- Remote
SENIOR MORTGAGE UNDERWRITER
SunTrust Bank
01.2012 - 06.2012
- Analyze financial data related to loan requests.
- Evaluate loan documents to ensure accuracy and completeness.
- Perform risk assessments on potential loan recipients based on credit rating, borrowing history, and other specific risk factors.
- Record loan denials and specific basis for declining application.
- Monitor and report noncompliance with loan covenants.
- Maintain client relationships and provide superior customer service.
- Assist with technical underwriting issues and questions.
- Review loan documentation and vendor reports to identify signs of fraudulent activity.
- Develop and implement underwriting policies and procedures.
SENIOR JUDGEMENTAL DECISIONING COORDINATOR
Capital One Financial Corporation
02.2008 - 06.2012
- Assessed risk among Capital One heavy spenders in excess of 100k in a twelve-month period to evaluate the customers need versus worthiness and determine the correct line assignment in the event an increase is granted.
- Reviewed customers credit file to determine the level of risk associated with maintaining or decreasing customers’ credit lines.
- Attended team/leadership meetings to obtain updates to current policies and processes.
- Collaborated with co-workers to discuss best practices to strengthen the Underwriting Operations department as a whole.
PROCESSOR SUPERVISOR
Central Pacific HomeLoans
06.2006 - 12.2006
- Led, managed, and trained six processors focusing on principal accountabilities in processing and closings, pipeline management, and ensuring a high level of customer service.
- Administered policies and procedures for processing, automated underwriting and closings in accordance with investor guidelines and internal and regulatory requirements.
- Reviewed Loan Officers’ pre-qualification and system input.
- Managed pipeline timeliness and workflow processing, which ensured loans were processed, approved, and closed within required deadlines.
- Maintained extremely high customer service satisfaction with Loan Officers, fellow processing supervisors, departmental personnel, Appraisers, Escrow Officers’, and Realtors with timely and accurate information and cooperative service.
- Met weekly with leadership, which ensured open and constant communication between management and the processing team, and providing necessary mentoring and training to ensure team was familiar with industry changes.
PROCESSOR ADMINISTRATOR II - UNDERWRITER
Central Pacific HomeLoans
02.2003 - 06.2006
- Responsible for planning, maintaining, and managing a pipeline of residential loans.
- Determined credit worthiness by organizing and analyzing financial documentation.
- Coordinated all actions required to process and underwrite residential home loans.
- Responsible for processing 100% of loans in pipeline, by gathering required supporting documentation for customer loans qualification and approval.
- Responsible for underwriting point-of-sale eligible loans, ensuring investor’s guidelines were adhered to.
- Established close working relationship with Loan Officers in satisfying concerns identified on the Loan Approval Report.
- Worked closely to meet closing deadlines with Developers, Loan Officers, and Escrow.
- Teamed with in-house Attorney’s to ensure all legal concerns met investor’s guidelines.
CONSUMER LOAN UNDERWRITER
SunTrust Bank
02.2000 - 12.2002
- Reviewed and resolved title concerns on residential properties.
- Planned, organized, and executed independent and authoritative judgment under minimal supervision.
- Reviewed HELOC’s and second mortgages and made recommendations to increase, decrease and/or modify existing liens per borrower request.
- Work closely with several departments to process consumer loans.
- Reviewed files for accuracy prior to submitting for credit approval for lines beyond my level of approval.
Education
MA - EXECUTIVE LEADERSHIP
Liberty University
Lynchburg, VirginiaMPA - PUBLIC ADMINISTRATION
Troy State University
Ft Walton Beach, FloridaBachelor of Arts - Social Work
Southern University At New Orleans
New Orleans, LASkills
- Mortgage Underwriting, Loan Processing, Quality Control, Auditing, Consumer Lending, Residential Underwriting, Severity Management, Judgmental Decisioning, AUS, DU, LP, FNMA, FHLMC, Risk Assessment, Compliance, Financial Analysis
Certification
- DIPLOMA IN REAL ESTATE Alpha School of Real Estate
- STATE OF VIRGINIA CERTIFICATION Electronic Notary Republic
- Licensed Mortgage Loan Originator, State of HAWAII, NMLS #2017963
LANGUAGES
English
(Native).
Timeline
Mortgage Processor
Hancock Processing
08.2025 - Current
SELF-EMPLOYED MORTGAGE PROCESSOR
Self Employed Services
06.2022 - Current
QC AUDITOR III
United Shore Financial Services
01.2013 - 02.2025
SENIOR MORTGAGE UNDERWRITER
SunTrust Bank
01.2012 - 06.2012
SENIOR JUDGEMENTAL DECISIONING COORDINATOR
Capital One Financial Corporation
02.2008 - 06.2012
PROCESSOR SUPERVISOR
Central Pacific HomeLoans
06.2006 - 12.2006
PROCESSOR ADMINISTRATOR II - UNDERWRITER
Central Pacific HomeLoans
02.2003 - 06.2006
CONSUMER LOAN UNDERWRITER
SunTrust Bank
02.2000 - 12.2002
MA - EXECUTIVE LEADERSHIP
Liberty University
MPA - PUBLIC ADMINISTRATION
Troy State University
Bachelor of Arts - Social Work
Southern University At New Orleans